The most vulnerable among us need protection and guidance. Here’s what you can do:

* Never give out financial information, your Social Security number, or your Medicare number over the phone unless you initiated the call.* Don’t respond to calls, letters or emails from “Medicare” officials. Medicare employees, and those of any legitimate business, will never ask for your full Social Security or Medicare number.* Beware of pushy marketers–don’t hesitate to take down their contact information and do your due diligence. Just say no.* Check the fine print when ordering products online or from TV ads. Many times the shipping and handling charges can be as much as the actual product you are ordering.* Consult someone you trust if you’re feeling uncertain about requests for money or personal information. Don’t provide any personal information over the phone.* Never send money today for the promise of more money later.* Don’s sign on the dotted line for any complex investments you don’t understand.* Don’t give away power of attorney to anyone unless family members and personal advisors such as lawyers, accountants and financial planners have reviewed the documents.* There is no free lunch. If a firm invites you out to a meal, they want you to sign up for an investment, real estate or a pure swindle.* Avoid sweepstakes, “money claim” offers and pleas to help a relative in a foreign country. These are all scams.* Use “caller ID” features on your phone. If it’s a toll-free number you don’t recognize, don’t pick it up.